Kemps Mill, MD
Kemps Mill, MD's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Kemps Mill lands at the 30th percentile for wildfire risk to structures — close to the middle of USFS's national wildfire-risk range — a figure built from its 75 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Kemps Mill at the 31st percentile, close to its 30th-percentile risk score.
What "at risk" means for the buildings here
78.7% of Kemps Mill's 75 buildings sit in USFS's Direct exposure zone, roughly 59 structures close enough to burnable vegetation for flame contact, not just embers — 0% fall in the Indirect, ember-only zone and 21.3% are Minimal.
How Kemps Mill compares
Kemps Mill's 46th-percentile standing inside Maryland outpaces its 30th national percentile — this is a hotter spot than most of its own state, even though the state as a whole runs cooler nationally. Among the 31,521 US communities USFS scores, Kemps Mill ranks 22,153 for wildfire risk (1 is highest) and 30,090 by building count (1 is largest). Within Maryland alone, it ranks 285 of 527 places by risk. See the full county-by-county picture for Maryland on its state page.
What this risk score means for insurance
At the 30th national percentile, Kemps Mill rates moderate for wildfire risk — well short of the threshold where insurers have been withdrawing coverage, though comparing a quote costs nothing either way.
What would actually reduce this score
Because Direct exposure dominates in Kemps Mill (78.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
Where Kemps Mill's figures come from
The methodology guide shows exactly how USFS turned 75 counted buildings into the percentiles shown above for Kemps Mill. The exposure-zones guide covers what Kemps Mill's dominant direct exposure actually means, with real examples from across the dataset.